My goal cards

So I wanted to set down my goal cards and get some feedback. My goals are very modest considering a lot of the posts here, but as a single mom, I just don't have the kind of disposable income to throw around to make an Amex or csp worthwhile. I'm in the last two weeks of a bk7, and my plans for 2013 are to both rebuild and save aggressively.

Nfcu trifecta

walmart

jcp

target

barclays nfl or itunes

amazon

Those are the cards i want because i know i will use them regularly, maybe down the line a disco or Costco Amex because lord knows with two teenage football players I spend enough there to make it worthwhile. I hope I can skip cap1, but if navy decides to be conservative with me then I will go that route. Any thoughts on who I should app with first? Any others I should condider? Ideally I'd like to have three cards by the end of the year and then garden the first half of 2014.

Re: My goal cards

So I wanted to set down my goal cards and get some feedback. My goals are very modest considering a lot of the posts here, but as a single mom, I just don't have the kind of disposable income to throw around to make an Amex or csp worthwhile. I'm in the last two weeks of a bk7, and my plans for 2013 are to both rebuild and save aggressively.

Nfcu trifecta

walmart

jcp

target

barclays nfl or itunes

amazon

Those are the cards i want because i know i will use them regularly, maybe down the line a disco or Costco Amex because lord knows with two teenage football players I spend enough there to make it worthwhile. I hope I can skip cap1, but if navy decides to be conservative with me then I will go that route. Any thoughts on who I should app with first? Any others I should condider? Ideally I'd like to have three cards by the end of the year and then garden the first half of 2014.

Most store-backed cards are really easy to get...especially Walmart, JCP, and Amazon, since they are GE-backed. However, with GE and with credit card apps in general, try to space out your credit apps. Sometimes applying for too many cards in a short period of time will raise flags with certain lenders (ex: GE with too many of their cards app'd in the same time, Barclay's seeing all your recent inquiries and new accounts).

My recommendation? App for Walmart, JCP, and a NFCU account. Why?

Walmart - Free FICO monthly score with paperless statements, could be approved or upgraded down the road to a Walmart Discover, growth of CL.

JCP - One of the best reward programs out there. Every $100 each month equals 1 $10 coupon, up to 10 $10 coupons PER MONTH! Okay, so I'm biased because I work at JCP...but if it is your go-to department store, then I HIGHLY recommend it. Also another GE backed card, so the credit limit will grow with you went from $500 starting in 7/10 to $5100 by 1/13. If I knew about the every 4 statements CLI request ability, I'm sure it would be even higher!

NFCU - always great to start early in your building with them. they will remember you, so down the road when your scores are fantastic, you'll be getting great limits and rates!

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